Solved: Looks like all of my questions are answered in the instructions for form 8889. I'll see if I can return the excess distribution to the HSA custodian.
My wife and I had separate HDHP plans in 2024. I signed up for Medicare part A only in April 2024. My wife retired in July 2024 and was added to my HDHP plan in Aug 2024 as a life-change event. I retired in Oct 2024 and started Medicare part B in Nov 2024. So as of Nov 2024, only my wife was on my HDHP (now a retiree benefit plan). I ended up over contributing to my HSA in 2024 through payroll deductions and withdrew the excess amount in Nov 2024. Before I entered my wife's HSA details, TurboTax selected self-only on line 1 of my 8889 and its calculation of my excess contribution matched my calculation. Then after adding my wife's HSA/HDHP details, it switched me to Family on line 1 of my 8889. Now it calculates my excess contribution as about 46% of what it was when my 8889 line 1 was self-only. Is that correct? If that is correct, then I withdrew too much in Nov 2024. How do I account for withdrawing too much in TurboTax since its probably too late to put it back?
